What Happens If the Negligent Party is Not Insured?

What could be worse than having to deal with an insurance company and having them lie to you to protect their profits? Getting into a car accident where the negligent driver does not have adequate coverage or is not insured at all.

Unfortunately, thousands of accidents occur each year where the person responsible doesn’t have insurance. This complicates matters for the injured victim and brings about new obstacles when filing a claim.

The Need for Uninsured Motorist Coverage

In most situations, the injured individual files a claim with the insurance company who provides coverage to the negligent party. When the responsible driver doesn’t have insurance, the injured must rely on other means of filing a claim, such as through their own uninsured motorist coverage.

In both Missouri and Illinois, insurance companies offer uninsured motorist coverage which allows you to file a claim with your own provide to cover expenses when the person who causes the car wreck does not have insurance.

Both states require bare minimum limits for uninsured motorist coverage, but Illinois allows drivers to reject the coverage in writing.

Can an Uninsured Motorist Claim Be Denied?

Despite you paying the premiums to have uninsured motorist coverage, you must be aware that your insurance company is still a large corporation looking out for their own best interests. As such, they may wrongfully deny your uninsured motorist claim to avoid paying out the compensation you deserve.

Whenever this happens, you need to recognize what options you have to pursue the compensation you deserve.

At Meyerkord & Kurth, we know how insurance companies try to wrongfully deny claims and the impact it has on you after a car wreck. When you’re involved in an uninsured motorist collision, having legal representation can help you get through the matter with confidence.

Our St. Louis car accident lawyers are here to stand in your corner, using our experience on your behalf to show that you were not responsible for the accident, you suffered injury, and you deserve compensation through your own uninsured motorist policy.

To schedule a free consultation, call us today at (800) 391-4318.